PCSB Bank on Your Credit Report
In short: PCSB Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Clarinda, Iowa. Under FDIC certificate 14522, the charter was established January 1, 1866, making it a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $326 million in total assets across 7 FDIC-reported offices. As the originating furnisher, PCSB Bank holds the source records, so a §623 dispute and a §611 bureau dispute can run in parallel. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who PCSB Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
PCSB Bank operates 7 FDIC-reported offices out of Clarinda, Iowa, under certificate 14522, and the 06/30/2026 call report puts its total assets at $326 million on a charter dating to January 1, 1866.
How PCSB Bank appears on your credit report
PCSB Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in Iowa
- ◆Consumer accounts originated across its 7 Iowa offices
Grounds to dispute a PCSB Bank entry
Each of these is a reason a PCSB Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when PCSB Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
PCSB Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, PCSB Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send PCSB Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
PCSB Bank questions, answered
Is PCSB Bank FDIC-insured, and what is its certificate number?
Yes. PCSB Bank carries FDIC certificate 14522. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Clarinda, IA, established January 1, 1866, reporting $326 million in total assets and 7 offices as of 06/30/2026.
Who regulates PCSB Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, PCSB Bank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against PCSB Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched PCSB Bank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a PCSB Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the PCSB Bank account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with PCSB Bank and disputing with a collector?
PCSB Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to PCSB Bank reaches the source documents instead.
Does PCSB Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With PCSB Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
PCSB Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When PCSB Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute PCSB Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Send PCSB Bank a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on PCSB Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the PCSB Bank entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by PCSB Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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